Just ask the customer service directly. The telephone number is 95 1 18.
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry.
In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Since then, "Baitiao" has also opened up O2O(JD.COM arrives at home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
JD.COM's IOUs are overdue, and now they are not returned for the time being. What should I do?
If the bill is not large, try to repay it. In addition, you can also pay by installment. JD.COM IOUs, like credit cards, will have the function of bill installment after the bill date, so that you can make small repayment and avoid overdue.
Overdue repayment has a great influence. Don't think it's as simple as paying back the money after buying something in JD.COM. If you don't repay in bad faith for a long time, you may even be sued by the court, which will affect your personal credit record. In a society that pays more and more attention to credit, buying a house and a car, finding a job, getting a loan and even traveling will be seriously affected in the future.
Extended data
20 15 1 1 month, JD.COM sued the defaulting user Li Wei (pseudonym) for maliciously refusing to pay the installment payment of JD.COM IOUs. In the end, the court ruled that JD.COM won the case according to law, and the defendant Li Wei repaid all the installment service fees owed and assumed the litigation costs. Li Wei (a pseudonym) has left a stain on his credit record even though he paid according to the trial result.
Of course, if he doesn't carry out the trial results, he may be included in the court's list of untrustworthy people (commonly known as "Lao Lai"), and he can't take high-consumption behaviors such as airplanes and high-speed trains, which will have great irreversible consequences on all aspects of his personal life.
How to negotiate to repay JD.COM's IOUs?
JD.COM IOU negotiation repayment method is as follows:
1. Open and log in to JD.COM Mall APP or Jingdong Financial APP;
2. Then click "My" to find "Customer Service";
3. After entering the customer service page, select "Online Customer Service";
4. Select consulting customer service and enter the customer service understanding interface;
5. Then negotiate repayment with customer service.
The advantage of agreement repayment is that after consultation with financial institutions, financial institutions will no longer collect money from users, and users can also repay in a planned way; As for the disadvantages, negotiated repayment generally occurs after the deadline. Even if the negotiation is successful, the overdue status cannot be changed, and the overdue record has been uploaded to the credit information. Therefore, negotiated repayment can be regarded as a positive remedial measure, but overdue records cannot be deleted after successful negotiation, and overdue records also need to wait for five years after the arrears are paid off.
“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval and arbitrary installment", and quickly becomes an industry model, laying the leading brand position of Jingdong Finance in the consumer finance industry. In positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
JD.COM's overdue IOUs will first generate overdue interest. According to the regulations of JD.COM IOUs, payment can be postponed for 30 days without generating any interest rate. The rate standard for installment payment of JD.COM IOUs is 0.5%/ month. That is to say, the third phase selected by the user is 1.5%, and 12 phase is 6%; If JD.COM reminds users of overdue for many times, the penalty will be 0.03% per day.
What will happen if JD.COM doesn't borrow money?
Under normal circumstances, it will not come to the door, but JD.COM IOUs are credit products. If the minimum repayment date is not reached after the last repayment date, it is overdue. After the deadline, in order to better remind users of the arrears and timely repayment, JD.COM will collect the payables from users by letter, SMS, email, telephone, door-to-door or judicial channels. Please pay off the arrears as soon as possible after receiving the reminder, and pay attention to your repayment time in time.
Generally speaking, if it is not maliciously overdue, it will generally not affect the credit investigation. If you don't pay back a penny for three consecutive months (90 days), it is basically considered as malicious overdue; If there are more than six overdue payments, the loan application will be very troublesome. Of course, the auditing standards of different credit institutions will be slightly different.
It is suggested that users should pay attention to the habit of timely repayment and not overdue when using JD.COM IOUs, otherwise they will be locked and reported to the credit reporting agency. If JD.COM's IOU is overdue, a penalty will be charged. If they fail to pay the due amount in full before the due repayment date, it will be regarded as a breach of contract.
The penalty is 0.05% per day. If JD.COM's IOUs are maliciously overdue, they will also be reported to the central bank for credit investigation. In addition to protecting personal information, borrowers can also learn about their online loan usage through Sky Data and find this WeChat applet. The report includes comprehensive scores, application records and other details, as well as the big data status of personal online loans. If big data is confusing, it must be corrected in time to avoid a major impact on personal credit information.